Search found 955 matches

Return to advanced search

Re: My Term Life Insurance

I don't think it would hurt to wait before getting any life insurance. Like others have said, I am not sure there is a need for life insurance right now. In a few years or so, when you decide on having kids (sorry, I'm speculating), you may determine that there is no reason in getting a policy beyon...
by Cosmo
Mon Mar 30, 2015 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 30
Views: 2168

Re: Sued and won for drycleaner losing suit, suit now found.

Boy, this thread is really starting to wear on me. :happy
by Cosmo
Mon Mar 30, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7673

Re: BOGLEHEAD CONTEST -- First Quarter 2015 Report

If I knew my guess was supposed to be valid for the end of the first quarter, I would have guessed differently! :happy

Cosmo
by Cosmo
Mon Mar 30, 2015 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2015 First Quarter Report
Replies: 9
Views: 757

Re: Gardening 2015

Yesterday's tree thread made me go out and get the last oranges off the tree. Yummy! Flowers suggest next year's crop should be good, too. http://i62.tinypic.com/2illmhz.jpg Great pic, Livesoft! Yeah, mine have a lot of blossoms as well. I had two oranges on mine this year but the yard guys took th...
by Cosmo
Mon Mar 30, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2421

Re: Gardening 2015

Yes, it is only March and after 3 days of sun and warmth, the temps are back in the 30s with big winds here in NW Indiana. But, the warm weather did get me excited about gardening. I had planted about 150 garlic buds last fall and was pleasantly surprized to find about 90 are growing. Previously I ...
by Cosmo
Mon Mar 30, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2421

Re: How much life insurance should my wife and i have???

TS, 1) Why would you buy life insurance? If either one of you gone, the other one has enough income to take care of the family. And, you have enough asset to cover the rest. So, you may just want to buy the minimum from your employer. One time annual pay or 50K/100K. KlangFool Sorry, but this is ju...
by Cosmo
Sun Mar 29, 2015 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 23
Views: 1974

Re: When does a 529 plan make sense to me?

livesoft wrote: That is, the money should be laundered through the 529 plan for the state income tax breaks while child is in college and Klangfool is paying for it.


Ha. Interesting use of the word, laundered. Not sure if that's the right way to use it it here but I definitely get your drift.
Cosmo
by Cosmo
Sun Mar 29, 2015 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8564

Re: When does a 529 plan make sense to me?

gator15, How big is the risk of long term unemployment or under-employment before full retirement age?? If this risk is significant, you need significant amount of asset in taxable A/C too. KlangFool This is not a realistic question that most people can answer and I don't think it should be used as...
by Cosmo
Sun Mar 29, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8564

Re: Smartest Financial Move You Ever Made

I made my smartest financial move ever in 2009 although I didn't realize it until 2010. In 2009, I opened up a 529 plan for my second kid, who was born in February of that year. I was very lucky to have his grandparents give us some money, along with my own money to start it up with a sizable lump s...
by Cosmo
Sat Mar 28, 2015 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 138
Views: 12614

Re: Why 529 plan makes any sense??

Because you value education for your children (or, increasingly, grandchildren) and want to help pay for it, and 529 plans offer a means to pay for that education using tax-advantaged dollars (in terms of state taxes) and tax-free growth. Personal finance is personal. It may not be for you based on...
by Cosmo
Thu Mar 26, 2015 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8564

Re: Why 529 plan makes any sense??

Because you value education for your children (or, increasingly, grandchildren) and want to help pay for it, and 529 plans offer a means to pay for that education using tax-advantaged dollars (in terms of state taxes) and tax-free growth. Personal finance is personal. It may not be for you based on...
by Cosmo
Wed Mar 25, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8564

Re: U.S. cash pouring into international

I have one third of my equities position in international. I haven't been paying attention but was pleasantly surprised as I wrongly assumed it would have been down due to a stronger dollar. All I can say is, it's about time.
by Cosmo
Wed Mar 25, 2015 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2442

Re: TurboTax is the WORST

Now NO customer help. Can't efile because of a worksheet (not filed w/ IRS). Asks to check it, but no way to comment, accept, delete or otherwise. Of course I had to pay to get that far. Then 20 min to reach a "helper" who couldn't help because a tax issue (TurboTAX??), so over an hour on...
by Cosmo
Sat Mar 21, 2015 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax is the WORST
Replies: 6
Views: 1760

Re: Hearse as daily driver?

Option 4: Only as a dead passenger.

Cosmo
by Cosmo
Sat Mar 21, 2015 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3734

Re: Ibonds and taxes

https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_itaxconsider.htm You have a choice. You can 1) Report the interest every year 2) Put off (defer) reporting the interest until you file a federal income tax return for the year in which the first of these events occurs: you redee...
by Cosmo
Sat Mar 21, 2015 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds and taxes
Replies: 5
Views: 712

Re: The one area I disagree with Jack

I'd imagine it depends highly on how old you are. For me, I do not follow this advice because I have no idea what SS will look like when I retire, or if it will even be around in a currently recognizable form. But for someone who is, say, 60, then I would be more inclined to take Bogle's view. I ag...
by Cosmo
Sat Mar 21, 2015 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7328

Re: [New Member Observations- Covered Calls, Financial Advis

Hello all, I just had time to check in and see you have managed to entertain yourselves for quite some time. I don't have all day but let me try and respond to some of the sceptics. 2) Bogleheads can be a bit defensive. Just because it doesn't fit into a three fund portfolio, doesn't make something...
by Cosmo
Sat Mar 21, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: [New Member Observations- Covered Calls, Financial Advisors]
Replies: 227
Views: 16344

Re: Math majors needed in here for loan interest rates thoug

This isn't a math question, so much as a question about risk management. If your assumptions about investment returns and employment in the future hold true, the math speaks for itself. The problem is the 2008-2009 scenario. If the economy implodes, you might lose your job at precisely the same tim...
by Cosmo
Sat Mar 21, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math majors needed in here for loan interest rates thoughts
Replies: 36
Views: 2111

Re: Ooops on taxes, what to do?

Ignore it. Way too much headaches/paperwork to file an amended return for $25 bucks of unreported income. If the IRS cares, they will catch it and issue you a paper notice asking for about $5 bucks. Chances are they ignore it. +1 I would ignore as well and wait to see if/when they send a letter on ...
by Cosmo
Wed Mar 18, 2015 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Ooops on taxes, what to do?
Replies: 11
Views: 1911

Re: Another Mortgage vs Investing Q

Isn't it reasonable to expect 7+ percent per year from the market? For me that is enough of a delta to justify the risk. Hard to go wrong in this scenario though. Since he is at the tail end of the loan's duration, no 7% is not reasonable at all. Perhaps if there was 20-30 years left on the loan. G...
by Cosmo
Tue Mar 17, 2015 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Mortgage vs Investing Q
Replies: 15
Views: 1477

Re: Do you still use currency or have you gone all-plastic?

livesoft wrote:I've bought 2 cents of gas with a credit card because I got $10 back for using it. That was the minimum amount I could "click" at the pump.


This is great. I like this.
Cosmo
by Cosmo
Tue Mar 17, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3211

Re: [Poll] How long did you hold primary residence mortgage?

I am in year 3 of a 15 year mortgage @ 2.875%.
by Cosmo
Tue Mar 17, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2708

Re: Laptop: Windows based vs. Apple

I don't have anything to add here but I honestly enjoy these Mac vs. PC debates. I definitely have my preference but no need to add it here. :happy

Cosmo
by Cosmo
Tue Mar 17, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5714

Re: Did you buy a house because of low interest rate?

acegolfer wrote:Q: Did you buy a house because of low interest rate?

No. I purchased a home because I needed a place for my family to live.
Cosmo
by Cosmo
Tue Mar 17, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you buy a house because of low interest rate?
Replies: 25
Views: 1749

Re: Cleaning my back yard?

Forget the pressure washer or bleach! Try "Wet & Forget" -- I love this stuff and it's so easy to apply. Just spray it on and no scrubbing. :beer You can get it at Costco. http://wetandforget.com/product_wet_and_forget_outdoor.html +1 Read the directions and it can take a a couple of ...
by Cosmo
Mon Mar 16, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 38
Views: 4141

Re: Roth for Emergency funds??

Google this. You will find that there are several good threads at Boglebeads on the topic that discuss this.
Cosmo
by Cosmo
Mon Mar 16, 2015 4:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth for Emergency funds??
Replies: 5
Views: 585

Re: Ice Dams - now what?

Today is March 14...N. Western PA. I still have about 6-8 inches of wet snow taking it's time on that front northern roof. I look at it a hundred times a day because I'm afraid the roof might collapse. There are four 4x4 posts holding up this roof. This summer, I am thinking of having them replaced...
by Cosmo
Sat Mar 14, 2015 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4418

Re: What does a $1M portfolio look like?

A $1M portfolio is ideally suited to a basic 3 fund portfolio, Total US Stock, Total Bond, and Total International, in whatever proportions match your asset allocation. What he said. ^ And it's easy as 1 2 3. :D In reality, this isn't always possible, especially if there is a his and her 401(k) so ...
by Cosmo
Sat Mar 14, 2015 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9950

Re: What are some common misconceptions found in this forum?

Misconception: There is a lot of group think in this forum. In reality, there are many differing and diverse opinions here. Misconception: Everyone here holds low-cost index funds with Vanguard. The reality is many here hold actively managed funds here at Vanguard and many other institutions. Cosmo
by Cosmo
Sat Mar 14, 2015 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17328

Re: Understanding Your Net Worth

This column from Scott Burns contains some basic information on calculating personal net worth and discusses what he calls, "virtual wealth" (Social Security, pensions) and the important role it can play in retirement planning. http://assetbuilder.com/scott_burns/understanding_your_net_wo...
by Cosmo
Sat Mar 14, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Your Net Worth
Replies: 25
Views: 3507

Re: Ice Dams - now what?

How well insulated is the attic space? I would look into beefing up the insulation in the attic to prevent or mitigate the massive heat loss you are presently encountering that is resulting in the snow melt. Bring someone in to do an audit up there. There could be some simple fixes that will signifi...
by Cosmo
Sat Mar 14, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4418

Re: Best 4-6 person tent

The Coleman six person instant tent is awesome. I chose this one after researching it and it works great when camping with my two boys.
http://www.amazon.com/gp/aw/d/B004E4ERH ... leman+tent
by Cosmo
Fri Mar 13, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 1145

Re: After you sold your house...

BAM! wrote:Where did you put the money? Mutual fund, money market account, bonds, stocks?


Back into a newer, better house.
by Cosmo
Fri Mar 13, 2015 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: After you sold your house...
Replies: 12
Views: 1869

Re: Boglehead degree status

Since most of the people here are far smarter than me, I will go with undergrad, which isn't a category for some reason.
by Cosmo
Fri Mar 13, 2015 4:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4878

Re: Will you buy an Apple Watch?

Will you buy an Apple Watch? Which one appeals to you or for the person for which you'd buy it? No. However, over five years ago when they first announced the iPad, I laughed at the product. Why would anyone need to use something useless like this that sounds more like a feminine hygiene product???...
by Cosmo
Tue Mar 10, 2015 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17980

Re: LED Flood Light Question (CREE/FEIT/Etc)

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go ...
by Cosmo
Sun Mar 08, 2015 5:34 pm
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 28
Views: 3990

Re: How to get started on a Trust/Will?

Hi Cosmo, Thanks a lot for the response. I actually did go ahead and buy the Nolo Willmaker Plus a few days ago (came with a free online trust). I went through it to get familiar with the documents, though I may still see an estate lawyer. I did think that Nolo took care of all of the options I wan...
by Cosmo
Sun Mar 08, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get started on a Trust/Will?
Replies: 27
Views: 2279

Re: LED Flood Light Question (CREE/FEIT/Etc)

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go L...
by Cosmo
Sun Mar 08, 2015 3:53 pm
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 28
Views: 3990

Re: How to get started on a Trust/Will?

wfrobinette and bsteiner, thanks for the replies. I am almost finished reading Beyond the Grave . I also looked at some sample wills and Living Trusts, and am now leaning towards just having a will. Looking into testamentary wills, I feel like it can do what I want. I found a few estate lawyers in ...
by Cosmo
Sun Mar 08, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get started on a Trust/Will?
Replies: 27
Views: 2279

Re: interest rate increase looming. what you gonna do ?

with interest rate expected to increase this year, what should be the strategy to handle that while our money is sitting in etfs/stocks ? Not sure if this will occur either, no one knows. But I do know that if this is the case, the folks who are choosing to hold on to their 15-30 year low-interest ...
by Cosmo
Sun Mar 08, 2015 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6246

Re: Driveway Replacement Cost

If you are in snow country, black asphalt will absorb the sunlight and help melt snow and ice faster than white concrete. Growing up in northern Ohio in snowbelt country, we had a long asphalt driveway on a hill with a southern exposure. As long as you got it clean enough to expose some of the blac...
by Cosmo
Sun Mar 08, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2685

Re: new car battery

4-5 years on a battery is pretty good. I would change it. You can get it tested at Autozone or Interstate for free if you want a second opinion. The last time I went to Interstate, I was impressed with the customer service and the prices seemed fair. +1 :happy Autozone worked for me with a 4 year o...
by Cosmo
Tue Mar 03, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 2769

Re: Where's your Will?

Gill wrote:You might have a large asset you don't even know about such as a wrongful death action resulting from your accidental death. Don't be foolish. Get a will!
Gill


Ha! I never thought about that one, Gill.

Cosmo
by Cosmo
Tue Mar 03, 2015 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 2960

Re: Where's your Will?

We have duplicate originals at home and at lawyer's office Wills should never have duplicate originals. Are you sure it isn't duplicate originals of a revocable trust? Gill Nolo recommends that you have only one signed original. It is perfectly fine to have duplicates as long as they are not signed...
by Cosmo
Tue Mar 03, 2015 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 2960

Re: Advice for how to help a grieving FIL with daily finance

neurosphere wrote:Thanks again everyone for the suggestions. MIL passed last week, surrounded by family at the moment of her death.

My father in law is distraught, appropriately, but functional and able to attend to practical details. He will be fine.


I'm sorry to hear about your wife's loss.

Cosmo
by Cosmo
Sun Mar 01, 2015 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to help a grieving FIL with daily finances
Replies: 16
Views: 1697

Re: Do you consider mortgage payments as savings?

Interesting thread here. Bottom line: this changes your bottom line. With each mortgage payment as your principle gets paid off, your NET WORTH increases by the same amount. So as with saving and investing, it is just another way to increase your net worth. Cosmo On the other hand, each time you bu...
by Cosmo
Sat Feb 28, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20160

Re: Favorite chocolate candy

Anything dark and that usually costs a lot. After many trips to Europe, tasting the wonderful chocolates of Turin, Brugge, Paris, ... I can't stomach anything that says Hersheys or Mars. For cheap stuff, wife and I are both addicted to Trader Joes dark chocolate peanut butter cups. Other than that ...
by Cosmo
Sat Feb 28, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 3526

Re: Do you consider mortgage payments as savings?

Interesting thread here. Bottom line: this changes your bottom line. With each mortgage payment as your principle gets paid off, your NET WORTH increases by the same amount. So as with saving and investing, it is just another way to increase your net worth.
Cosmo
by Cosmo
Sat Feb 28, 2015 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20160

Re: Vanguard change of address - word of warning!

Not understanding. Why would you or anyone else give an address at a place where you no longer live "for their records"?
by Cosmo
Thu Feb 26, 2015 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1349

Re: UGA: Locking in the Current Price of Gasoline

I am thinking about buying $25,000 worth of the ETF "UGA", which tracks the price of gasoline. At current prices, we'll use about $5000 worth of gasoline per year. This would "lock in" about 5 years of gas at today's prices. The two downsides I can think of are potential capgain...
by Cosmo
Sun Feb 22, 2015 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1294
Next

Return to advanced search